How to Score a 4.5% Interest Rate in Spokane, WA | LIMITED TIME OFFER

Buying a home in Spokane can feel overwhelming, especially for first-time buyers facing higher interest rates and a competitive resale market. But right now, there’s a rare opportunity in new construction that could save you tens of thousands of dollars—if you know where to look.

Spokane’s largest builders, D.R. Horton and Lennar, are offering huge incentives on their new homes, including:

• Lower interest rates (as low as 4.5% - 4.75%)
• Closing cost credits ($10,000 - $20,000 or more)
• Discounted home prices (some homes reduced by $20,000 or more)

Why Are Builders Offering These Deals?

Unlike traditional home sellers, builders operate on volume. They construct homes without a buyer lined up (known as spec or inventory homes), and when these homes near completion, they need to sell fast to keep their books balanced.

The longer these homes sit, the more they cost the builder, so they’re willing to offer major incentives—especially in the winter months when demand slows down.

What’s the Advantage of Buying New Construction?

• Move-in Ready – Most inventory homes are finished or near completion, meaning no long build times. You could move in within 30-45 days.
• Pre-Selected Finishes – While you won’t choose every detail like in a custom build, these homes come with high-quality, modern finishes that appeal to most buyers.
• Lower Upfront Costs – Builders cover closing costs, offer rate buy-downs, and even negotiate on price to make homeownership more affordable.

Real-Life Example: A $50,000+ Savings

I recently helped a buyer secure a brand-new Lennar home that was originally listed for $425,000.

• Builder dropped the price to $375,000
• We negotiated an additional $8,000 in seller credits
• Locked in a 4.75% interest rate (far below market rates)
• Saved $450 per month on their mortgage payment

Where to Find These Deals

New construction opportunities are available in several top Spokane neighborhoods, including:

• Latah Valley
• North Spokane (Indian Trail area)
• Airway Heights
• Spokane Valley

Lennar and D.R. Horton have move-in-ready homes available today, and I can help you find the best deals.

Act Fast—These Incentives Won’t Last

Builders only offer these discounts when the market is slow. As soon as interest rates drop, demand will spike, and these incentives will disappear.

If you're thinking about buying, now is the time to act. Reach out today, and I’ll put together a custom list of the best new construction deals in Spokane for you.

Let me know in the comments what questions you have about buying a home, and if you're ready to start your search, schedule a consultation with me today.